3.Falling into a Urinal

I have a feeling this Darwin award goes to multiple winners, perhaps on a daily basis. One butterfingered owner tells SquareTrade that he was, “Talking on cell, while standing @ urinal. With one hand busy the other messing with phone, I dropped cell into urinal!”

4. Run over by a Lawnmower

I listen to Audiobooks and music while I mow the lawn, so this one could easily happen to me. A SquareTrade customer tells the company, “It fell out of my husband’s pocket while mowing the lawn and ran over it.” Without a warranty that would have been an expensive afternoon of landscaping.

5. Eaten by the pooch

Never underestimate the appeal of a smartphone or cell phone to a dog. One SquareTrade customer lost a phone after her dog thought it looked like an edible chew toy. According to the phone’s owner, “My dog ate my cell phone and my daughters entire throw blanket… Then pooped it out in cheetah print strips a week later.”

That sounds like an expensive vet visit, but thankfully phones under warranty are replaced for $50.